125 Elm St, Montclair, NJ 07042 Property Records

Essex County and Montclair Township property record for 125 Elm St, Montclair, NJ 07042

Property Summary

Property Type	Single Family Home
Details	2,403 sqft · built 1897
Lot Size	0.248 acres (10,799 sqft)
Owner	Individual Name on File
Last Sale	$349,500 (Mar 2010)
Tax Bill	$14,532 (2025)
Deeds & Mortgages	Dec 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-03002-0000-00016`

Property Details

APN / Parcel Number

Primary APN	`13-03002-0000-00016`
Alternative APN	`130300200016`

Interior

Stories	2 Stories
Building Area	2,403 sqft Living Area

Exterior

Year Built	Built 1897
Effective Year Built	Effective 1897
Construction Type	Frame
Lot Area	10,799 sqft (0.248 acres)
Lot Dimensions	180 ft deep x 60 ft wide
Parking Spaces	1 Parking Space

Location & Zoning

Old Parcel Number	130300200016
Street Address	125 ELM ST
City	MONTCLAIR
State	NJ
Zip	07042-3208
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	60X180
Legal Block	3002
Legal Lot Number	16
Jurisdiction	ESSEX NJ
Township / Civil Division	MONTCLAIR
Census Block Group	2
Census Block	2004
Census Tract	17000

Owner

125 Elm St is owned and occupied by an individual who acquired it in March 2016.

Source: Essex County and Montclair Township records, as of July 20, 2026

Owner of Record	Individual Name on File
Mailing Address	125 ELM ST, MONTCLAIR, NJ 07042-3208
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 8, 2010 · Amount on File
Deed Sale	Mar 8, 2010 · Amount on File
Deed Document Number	201016927
Deed Book / Page	12243 / 5071
Last Transfer Date	Mar 25, 2016
Transfer Doc	2016030831
Record Updated	Oct 29, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	125 ELM ST, MONTCLAIR, NJ 07042-3208
Document Number	0000003318
Instrument Date	Dec 23, 2019
Transaction Type	Mortgage
Record Updated	Jan 30, 2020
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	125 ELM ST MONTCLAIR NJ 070423208, MONTCLAIR, NJ 07042-3208

Mortgage

Document Number	0000003318
Date	Jan 9, 2020
Instrument	3318

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 8, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 125 Elm St was $14,532, up 5.5% from the year before.

Source: Essex County and Montclair Township assessment roll, as of July 2, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Essex County
County Subdivision	Montclair Township
Unified School District	Montclair Town School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$413,300 (-) Land $183,600 Building $229,700	$413,300 (-) Land $183,600 Building $229,700
2025	$14,532.00 (+5.5%)	$413,300 Land $183,600 Building $229,700	$413,300 Land $183,600 Building $229,700
2024	$13,775.00
2023		$404,800 Land $183,600 Building $221,200	$404,800 Land $183,600 Building $221,200
2022	$13,020.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 125 Elm St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 24, 2020 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	5 (1989–2011)
Claims Outside the SFHA	2 of 5
Most Recent Claim	Aug 2011 · Hurricane Irene
Claims by Event	Hurricane Irene, Aug 2011 · 2 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 125 Elm St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 94% of New Jersey
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	MONTCLAIR WATER BUREAU serves 40,150 people · EPA ID NJ0713001
Water Source	Purchased surface water from several systems
Last State Inspection	Sep 2024
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Jan 2024
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 495 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20